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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,261 | $138,076-86.1% | $123,553-84.4% | $135,380-85.8% |
| Participation rate | 68.4% | 84.7%-16.3pp | 82.3%-13.9pp | 82.6%-14.2pp |
| Annual return | -4.95% | 153.70%-158.7pp | 119.21%-124.2pp | 519.81%-524.8pp |
| Employer contribution / active EE | $1,713 | $5,152-66.8% | $4,628-63.0% | $4,779-64.2% |
| Participant deferral / active EE | $2,462 | $6,800-63.8% | $6,426-61.7% | $5,609-56.1% |
| Admin fee / account holder | $6,763 | $10,917-38.0% | $9,284-27.2% | $10,828-37.5% |